M43 Aspect ratio

This has probably already been discussed here but the truth is that I could not find anything.

So, the question is: when shooting with a M43 camera what aspect ratio do you use?

A long time ago I used to have Canon super zoom that only took pictures in AR 4:3. The problem was that when I went to print them they would all come out cut on the top and bottom. That made me hate the 4:3 aspect ratio.

Since then I have been shooting DSLR with its 3:2 AR, and now I am shooting with M43 (Panny G3). I have the camera set for 3:2 but this way I am not using the whole sensor space, on the other hand I don't like the idea of having to crop pics if I want to print them (actually something very rare nowadays, but nevertheless still happens...).

So what do you do? Shoot 3:2 waisting sensor space or 4:3 and then crop/cut your pictures when you want to print them?